Obviously, some folks are not very good at telling themselves "no."
"It will be better. That's our mindset," said Johnny Cantrell, chief operating officer at CCCS in Lexington, Ky., a subsidiary of Apprisen Financial Advocates. "We've gravitated too much to social status and instant gratification. We are spending way above our means.
With unemployment hovering near 10 percent and home foreclosures rising, the National Foundation for Credit...
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